You can choose whether you’re treated in a private hospital, or as a private patient in a public hospital — in conjunction with your doctor or specialist.
Partner private hospitals and day surgeries
To help you know your costs and benefits up front we’ve contracted with most private hospitals, which includes an agreement on how much they can charge. This makes it simpler and clearer for you.
Non-partner hospitals and day surgeries
In some cases, we haven’t reached an agreement with a private hospital or day surgery.
These are referred to as non-partner hospitals.
If you receive treatment for a service that’s Included or Restricted on your cover at a non-partner hospital, we’ll only pay a limited benefit and you may be significantly out of pocket. If you receive treatment for an Excluded service, no benefits will be paid.
We always recommend you contact us to check what you can claim before you go to hospital. We can then make it clear what is and isn't included on your cover.
To make sure you ask your doctor or hospital all the right questions before you go, read our 'Questions to ask your specialist before going to hospital'.
If you’re treated as a private patient in a public hospital for Included services, you can receive benefits for same-day admissions and overnight accommodation in a shared room. If you choose a private room in a public hospital, you may have an out-of-pocket expense. This depends on your cover and what you’re going to hospital for. You can refer to your product guide to see at a glance what's Included on your cover.
By contacting us before you go to hospital, we can confirm: